Health Care Reform: More Coverage for Seriously Injured in Car Accidents

Controversy continues to surround the recent health care reform bill enacted by Congress in March of this year. For many, there are some clear advantages to its passing, however. The legislation includes a requirement that by 2014 all Americans must buy health insurance or pay an annual fine. Meeting this goal may seem like a daunting task, but once reached, it has the potential to help many people who suddenly face critical medical emergencies.One particular group who stands to benefit are victims of severe car accidents.In many cases, auto insurance companies provide compensation for people injured in crashes. Although states like California mandate that all drivers carry a minimum amount of financial responsibility to pay for injuries to other parties, many people continue to recklessly operate their vehicles as uninsured motorists.Even when the law-abiding citizens who maintain the lowest level of auto liability coverage are involved in accidents, injured victims may not be able to appropriately settle with the insurers if their medical costs exceed the policy limits. For example, California liability minimums are $15,000 for one person and $30,000 for multiple people. If a driver causes a collision with another motorist who is badly injured or killed, the $15,000 cap could easily be surpassed. The policyholder would then be personally responsible for paying any outstanding accident-related expenses for the other driver.But what if the at-fault driver does not have the money to cover the remaining medical bills, as is often the case? What happens when the person who was seriously hurt has no medical insurance?The new federal health care plan will give injured car accident victims in these dire situations one more option for help.The reform bill makes health care more affordable through state government-based exchanges with subsidies. This in turn leads to more accessible medical insurance, especially for the formerly uninsured. As a result, anyone who experiences sudden and acute bodily harm, such as in a vehicle crash, will not have to rely on potentially insufficient auto insurance coverage or uninsured motorists to get the care they need.While the health care reform legislation is being implemented, it is recommended that motorists in states like California consider purchasing more comprehensive auto insurance policies with higher payout limits to protect themselves from personal financial liability. In the near future, though, car accident victims will have somewhere to transfer the burden of expensive medical treatment following a serious injury.If you or a loved one was recently injured in a vehicle crash and you have questions about who to go to for assistance, contact a California personal injury attorney. A local lawyer will know the standard procedures for dealing with auto and medical insurance companies and may be able to help you receive compensation for your pain and suffering, lost wages and medical expenses.

There Are Many Opportunities in the Health Care Industry

Many of the fastest growing jobs are in the health care job industry. There are so many careers to choose from. Medical technology has grown exponentially which constitutes the growth for many job openings and careers in the health care industry. Another factor which has caused such an increase is that baby boomers are getting older and requiring more caregivers to help to help them. Obesity is another reason for the growth of the need for medical care. There are many factors which lead to the rising need for more workers today.There is such a shortage of people to fill health care jobs today that medical businesses are offering signing bonuses and going as far as offering to help with rent and mortgage for those that will accept a job. People who are already studying for medical care professions are finding that employers are even willing to help with student-loan forgiveness. Even the military is offering bonuses to medical personnel to sign up.If you are considering this industry for yourself, you will have a wide variance of jobs available to you once you have acquired the proper qualifications. It is a growing industry and will represent 1 in 5 workers within the next five years.There are so many choices to enter the health care field. There are possibilities as a health technician, dental technician, pharmacy technician, nursing, and physicians. The list of careers is much longer than that. There is such a need for those interested in finishing their education to apply for a job, that even with the number of people already studying for the field, there will not be enough to fill all of the positions available.This is an industry that may not be affected by a down turning economy because there will always be someone who needs health care. Obesity is a growing problem and there will be many openings for people who are able to help those people gain control of their weight through education, medication and programs to help them get to a healthier state in their lives.With the aging population, there are two problems today. Many older professionals are retiring and many of the older population needs quality health care to help them in their retirement years. Entering the field now would be a great opportunity for anyone who is looking for a job to help others.

Employers and Health Care Reform

How are the mass employers going to handle the adoption of this new health care reform into the everyday life of their business and with their employees? Today, many employers across the American landscape are holding on to what they currently have and are performing their daily activities with a no growth attitude. This does not help the economy on the grand scale, but adding thousands of dollars into the health care rolls is no easy task.Some employers and small business entrepreneurs are refusing to hire new employees because they are terrified like the rest of America with the new pending health care, laws, rules, regulations, and additional taxes that are hanging over their heads for the coming years. Where does this leave all those individuals who are currently searching for employment?Put yourself in the place of any one of your local shopkeepers and think about how you would be willing to handle this situation. Individuals and families throughout the country are terrified at the looming health care reform bill that is slowly beginning to take hold of the country. This alone will cripple the entire country and drag it down even further.The health care industry is gearing up for the initial onslaught of new subscribers trying to find the cheapest medical insurance policy there is just so they can report to the Internal Revenue Services that they have a legitimate medical policy.The irritating factor in all of this is on the part of the Internal Revenue Service. They now have the right to request all of your medical care information and they will decide if the health insurance policy you have chosen meets the daily requirements of your personal needs. Should there be a discrepancy, they will order you to purchase the affordable health insurance policy that they believe is beneficial to your needs.What will you do when this happens and you are unable to afford the medical carepolicy they told you to acquire? Remember, the Internal Revenue Services does not care what you will have to do to come up with the money to pay the average monthly cost for health insurance under their mandate.Will you be mandated to take on a second employment position, told to achieve the level of a better paying position? Will you find it necessary to try to put your home on the market in order to make the necessary payments for your new mandated health insurance policy that is basically worthless to you?